Recently, many fans have been asking:
"When selling USDT for RMB, how can I receive payments to avoid risks?"
This is indeed a question that needs to be taken seriously.
Once you choose the wrong payment method, the consequences can be as mild as freezing funds, or as severe as potential criminal liability—even if you are not aware of it.
Today, let's use a language everyone understands to clarify for you: how can ordinary users safely receive payments when cashing out USDT?
✅ First Choice: Alipay / WeChat (the safest option)
Why recommend them? Because these two major platforms have strict 'pre-risk control' mechanisms.
Alipay and WeChat will conduct security checks when initiating transfers: if the other party's account has abnormal records, is suspected of fraud, or has suspicious transactions, the system will automatically intercept, and the funds will not arrive at all.
This is equivalent to building a "protective wall" before problematic funds enter your account.
But remember: Be sure to verify the other party's real name information!
→ The real name of the other party's WeChat/Alipay must exactly match the name certified by the trading platform.
→ If the names do not match, please stop the transaction immediately! Do not lose big due to small matters; safety is always the top priority.
In simple terms, using Alipay or WeChat is equivalent to having the platform perform a risk filter for you first, which can avoid most potential issues.
⚠️ Second choice: Bank card (use with caution)
The bank's processing logic is different from that of payment platforms:
Banks often operate on a "first arrive, then investigate" basis.
This means that—
Even if the funds transferred by the other party involve fraud or illegal sources, the money will first enter your account. By the time relevant departments intervene, you may already be regarded as a part of the funding chain.
Possible consequences include:
Bank card has been frozen;
Funds must be fully refunded;
It may even involve "aiding information network crime" or "concealing criminal proceeds"—even if you do not participate directly, you may still bear legal responsibility.
If you must use a bank card for receiving payments, please pay attention:
Only transact with familiar and reliable parties with clear identities;
Keep complete records of chat logs, transaction vouchers, the other party's ID card and bank card screenshots;
Avoid receiving large transfers from unfamiliar accounts, especially single transactions involving huge amounts.
Please remember: The bank does not bear the trading risks for you, and all responsibilities must be borne by yourself.
❌ Must avoid: Cash transactions (high risk!)
Offline face-to-face transactions, one hand transfers U, the other hand receives cash?
This practice is extremely risky, equivalent to placing yourself in an uncontrollable danger.
The reason is:
Cash cannot trace its source, making it difficult for you to confirm whether this money comes from legitimate channels;
Once involved in a case, when law enforcement asks "how to prove the legitimacy of funds," you often find it difficult to provide evidence, and you may be legally presumed to "know" that there are issues with the funds;
There have been multiple cases in reality where sellers who received cash were ultimately identified as accomplices, while the real criminals had long escaped.
Do not believe the statement that "cash transactions are safer"—that is likely a method for criminals to launder money.
📌 Summary: USDT withdrawal and payment safety principles
Prefer Alipay and WeChat,
Be cautious when using bank cards to retain evidence,
Absolutely avoid cash transactions!
The safety of funds is no small matter; a moment of carelessness may affect long-term stability.
When trading USDT, compliance is more important than speed, and safety is more worthy of attention than profit.
I hope these reminders can help you and your friends manage trading risks more safely and protect your asset security and peace of life.
